What affects my car insurance rate the most?

Age, state, driving record, and coverage level move the rate furthest. A DUI alone can add 50%-175%+, and state minimum vs. full coverage is often a 2-3x gap by itself.

Car insurance costs, broken down by state and driver profile

Q: What's a realistic monthly range for car insurance in the US?

Based on the guides published on Covered Route so far, typical full-coverage rates run from roughly $150/mo for a clean-record adult up to $450+/mo for a 16-year-old, with state, driving record, and coverage level each moving the number independently.

Q: Is Covered Route an insurance company?

No. Covered Route is an independent publisher. It does not sell policies, underwrite coverage, or sell visitor information to insurance agents.

Real minimum coverage requirements and sourced rate estimates for teens, seniors, and high-risk drivers — state by state, no sales calls, no quote forms selling your info.

Independent editorial, not an insurer Every figure sourced and dated Updated as rates change

Find your guide in 2 clicks

Pick your state and situation — no form, no email, no personal info collected.

60+Sourced guides live

12States covered, more added regularly

6+Insurers compared with real rate data

Browse by driver profile

Prefer to start with your situation instead of your state? Same guides, organized the other way.

Teen drivers

Minimum coverage, real cost ranges, and the insurers that tend to be cheapest for new drivers.

After a DUI

SR-22, FR-44, and everything else your state requires — plus how fast the surcharge actually eases.

Senior drivers

What changes with age, state renewal rules past 65, and the AARP/Hartford program most people overlook.

Violations, filings and license problems

Caught without insurance, a suspended license, a reckless driving charge or an SR-22 order? Start with the rules in your state.

SR-22 & FR-44 filings

Who needs a filing, what it has to cover, how long it lasts and what happens if it lapses — checked against each state's DMV.

Driving without insurance

Fines, license and registration suspensions, SR-22 triggers and what a coverage gap does to your rates.

Driving with a suspended license

When it's a ticket and when it's a crime, the extra suspension you get, and what you need to get your license back.

Reckless driving

Criminal penalties, points, how long it stays on your record, and each insurer's rate increase side by side.

DUI under 21

Zero-tolerance BAC limits for young drivers, the suspension that follows, and what it takes to drive again.

Teen rates by age

What 16-, 17- and 18-year-olds pay, with three publishers' estimates side by side and why they differ.

Free tools

No sign-up, no contact form — the numbers come from the same sourced guides.

SR-22 end date calculator

Pick your state, the reason for the filing and the start date to see when your SR-22 or FR-44 requirement should end.

When does my SR-22 end? →

DUI cost calculator

Fines, fees and the insurance increase over 3 or 5 years for a first DUI in Texas, California or Florida.

What does a DUI cost? →

Explore by state

Coverage requirements and cost estimates vary sharply by state. Start with your state below — we're adding new states and driver profiles regularly.

Texas

Minimum coverage is 30/60/25

California

Minimum coverage is 30/60/15, no gender rating

Florida

No-fault: $10k PIP + $10k PDL minimum

New York

Hybrid liability + no-fault PIP

Ohio

Minimum coverage is 25/50/25; DUI is legally called OVI

Pennsylvania

Choice no-fault: full tort vs. limited tort

Virginia

One of only 2 FR-44 states, alongside Florida

How much a DUI adds, state by state

One example of how differently the same situation prices across the states we cover — pulled from our own published guides, not a separate dataset.

Figures pulled from our own state guides (see each guide's sources). Florida runs highest because FR-44 adds much higher required coverage (100/300/50, where a standard Florida policy requires no bodily injury liability at all) on top of the rate surcharge — read the Florida guide for why.

Why Covered Route

We're not an insurance agency and we don't sell policies. Every guide is built the same way.

Sourced, not guessed

Every rate figure links back to a named source — state insurance departments, industry data, or rate-comparison publishers — with the date we pulled it.

Ranges, not fake precision

Real premiums vary by insurer, driving record, and ZIP code. We show you the realistic range and what moves it, instead of one made-up number.

No lead-selling forms

We don't collect your information to sell to insurance agents. Read the guide, then shop quotes wherever you want.

Common questions

What's a realistic monthly range for car insurance in the US?

Based on the guides we've published so far, typical full-coverage rates run from roughly $150/mo for a clean-record adult up to $450+/mo for a 16-year-old, with state, driving record, and coverage level each moving the number independently. See your specific situation in the guides above rather than relying on a single national average.

What affects my rate the most?

Across every guide we've researched, four factors move the needle furthest: age (teens and, to a lesser extent, seniors pay more), state (identical drivers can pay 2x more in one state than another), driving record (a DUI alone can add 50%-175%+), and coverage level (state minimum vs. full coverage is often a 2-3x gap by itself).

Is Covered Route an insurance company?

No. We're an independent publisher — we don't sell policies, underwrite coverage, or sell your information to agents. See our methodology for exactly how we research and source every figure.

How often is this information updated?

Each guide lists a "last updated" context and its full source list at the bottom. Insurance rates and state requirements change; when we revisit a guide and a figure has moved, we update it and note the date rather than leaving stale numbers up.